About 8 years ago, I screwed up a little by joining a gym, and then I lost my job. They wouldn’t let me out of the contract, so they just kept billing me and billing me. I wasn’t able to get another job throughout that year and they sent it to a credit bureau. I also had a lot of past medical bills that I just couldn’t pay. Anyway, that was so long ago, but I still can’t get a credit card. How can I build my credit without a credit card?